Terms and Conditions

1. Validly activated cards are redeemable in full or part payment for merchandise in
   retailers’ stores as listed within the where to use section of this website.
2. This card may not be exchanged for cash or other vouchers, used as a deposit
   on a credit agreement, used to purchase an insurance product or used to settle
   a retailer store card account.
3. No change will be given but the remaining balance may be applied to future
   purchases from any of the identified retailers.
4. Neither the issuer nor the insurer can be held liable for cards, once activated,
   which are subsequently lost, stolen or damaged.
5. Goods purchased with your Visa OPTIONS Card and subsequently returned to
   the store will have the value refunded on the card.
6. Your insurer reserves the right to amend these terms and conditions from time to
   time where it reasonably considers it necessary to do so (e.g. to change the scope
   of the Options card service, notify of the services withdrawal or in the event of
   circumstances beyond its control). Any such change and action to be taken as a
   result will be notified to Customers in advance.
7. The card can be used to purchase goods in-store, online, from catalogues and by telephone ONLY from the retailers highlighted on the enclosed leaflet.
8. If your total purchase exceeds the stored value remaining on the card, the
   difference can be made up with other means of payment.
9. This card cannot be used to withdraw cash at an ATM or to obtain a cash advance
   from a financial institution.
10. You cannot link your card to any deposit or credit account you may have with any financial institution. Your card cannot be reloaded with additional value. It is disposable when all value has been used.
11. You must ensure all details on any receipt are correct. Any dispute regarding receipt
    details is between yourself and the retailer.
12. Your card will expire and be no longer valid for use after the last day of the month stated on the face of the card. If your card still has an unredeemed balance greater than £10.00 three months prior to the Card expiry date a reminder will be sent to the last known address of the Customer. To allow for the processing of all outstanding transactions the account will not be closed for up to 21 days following expiry. Should the Customer require the card to be re-instated after the expiry date an administration charge of £10.00 will be levied.
13. If your card is lost or you believe it to have been stolen you must contact the
    Customer Service helpline 0845 300 4026. Until you have given your insurer such
    notice, you are liable for any unauthorised use of the Card.
14. You cannot use your card to access cash.
15. You must sign the reverse side of your card immediately upon receipt. Your card is
    secure and only you can redeem the money loaded upon it. IMPORTANT. You need
    to activate your card prior to using the card in any purchase transaction. The card
    cannot be activated in-store.
16. You cannot top-up your card with any additional funds. No other funds can
    be loaded onto the card other than money received from designated retailers
    representing refunds of redeemed payments for goods and services purchased
    with the use of your card.
17. Your card is in settlement of your insurance claim and is preloaded with the agreed
    value of your claim. There is no association with any bank account, deposit account
    or credit line and no interest payable.
18. This card is the property of R. Raphael & Sons plc and is issued by them
    pursuant to a licence granted by Visa. You must surrender it to them upon
    request. Prior to surrendering your card, you must cut the card in two.
19. These Terms and Conditions are issued under the laws of England and Wales